List of cars in insurance group 20
Find out what cars are in car insurance group 20 and how much it might cost to insure them.
What's in this guide?
- What is insurance group 20?
- Car insurance groups explained
- Car makes and models in insurance group 20
- Cars in insurance group 20 and the average cost by driver's age
- Why are cars in group 20 on the cheaper side?
- Which other factors affect your car insurance premium?
- How can I save on my car insurance premiums?
- Frequently asked questions
What is insurance group 20?
Insurance group 20 cars are often on the cheaper side to insure. With group 20 being at the lower end of the 50 insurance groups created by Thatcham Research, you can expect them to have relatively good car safety features and inexpensive repair costs. These are among the key factors used to determine which group a vehicle is placed in.
Below, you’ll discover more of the factors considered and how they affect your insurance costs.
Car insurance groups explained
Thatcham Research created 50 car insurance groups to help insurers determine appropriate premiums to offer to customers.
Before being made available to buy, all vehicles are assigned an insurance group from 1 (cheapest) to 50 (most expensive). This is mostly based on the car’s market value, performance, safety and security features and part replacement costs compared to other vehicles.
A car’s insurance group isn’t the only factor that determines the premiums offered to you. Insurance companies will also investigate a range of personal factors, including age, location and driving history.
Car makes and models in insurance group 20
You’ll notice there are a number of popular cars in insurance group 20. You can expect all of these to come with a comparatively cheap car insurance policy.
|Insurance group||Car make/model||Details|
|20||Vauxhall Corsa||The best-selling Vauxhall Corsa has good fuel economy and great handling. It won the AUTOBEST Best Buy Car Of Europe in 2020.|
|20||Volkswagen Golf||The ever-popular Golf won the Compact Car of the Year at the Auto Express Award. It’s well-known for its excellent steering, plus it features a new intuitive virtual cockpit with smart voice controls.|
|20||BMW 1-Series||This premium hatchback has strong and sturdy craftmanship, which saw it scoop the best Family Car at the What Car? Awards 2020.|
|20||Mercedes-Benz A-Class||The premium hatchback is widely praised for its ride quality, interior comfort and low running costs.|
|20||Skoda Octavia||The popular Octavia is a dependable small family car, which bagged a five-star Euro NCAP safety rating and ranks consistently well in the What Car? reliability survey.|
|20||Toyota Yaris||This sub-compact car has sold incredibly well since debuting since 1999. It has won various awards for its all-round performance.|
|20||Renault Megane||The Megane is a small family car equipped with affordable parts and safety features, providing great value for money.|
|20||Hyundai ix35||This compact crossover provides great value for money, especially when you consider its broad range of safety features.|
Cars in insurance group 20 and the average cost by driver’s age
The table below will help you estimate the cost of your car insurance based on the make and model of your car as well as your age.
Why are cars in group 20 on the cheaper side?
These vehicles are among the cheaper ones to insure because they tend to score well for the following factors.
- Low market value
- Good security features
- A range of useful safety features
- Parts are inexpensive to source
- Repair costs are low
- Repair times are quick
- Smaller engine size
Which other factors affect your car insurance premium?
Along with your car’s insurance group, these three factors will also have a significant impact on the cost of your insurance:
- Engine type and capacity. The larger your engine, the more you’re likely to pay for insurance. The reason for this is that larger engines are more expensive to repair or replace.
- Driver location. Insurers will use previous claims data to determine the likelihood of your car being stolen or involved in an accident in your area. This can affect your premium significantly. As an example, a 30-year-old in central London will pay for insurance for a Citroen c3 Feel BlueHDi 100 S&S 5d, while the same 30-year-old in Newcastle may only pay .
- Driver age. Insurers will consider the likelihood of someone your age making a claim on their policy and adjust your premium based on this. That’s bad news for younger drivers who are statistically far more likely to make a claim. The average 20-year-old driver in London could pay £1,691 for the Lexus CT 200h SE E-CVT auto (09/2017 on) 5d, while the average 40-year-old Londoner will only pay £886.
Other factors that affect your car insurance premium, include the following:
- The age and model of your car
- Your car’s safety rating
- The security features you have installed
- The likelihood of your car being stolen
- Your credit history and job
- Your driving activity and driving history
- The length of your no-claims discount
How can I save on my car insurance premiums?
If you want to keep the cost of your car insurance down, choosing a car in insurance group 20 (or lower) is a great start.
Below are some ideas to keep costs even lower:
- Avoid any driving convictions. Driving convictions are treated as proof that you’re a careless driver and will send your premium rocketing.
- Be economical about your car usage. If you can reduce your annual mileage, you’ll be deemed as less of a risk of making a claim, and insurers will drop your premium. Take care not to under-report your annual mileage though as this could invalidate your insurance policy.
- Pay annually rather than monthly. Often, you’ll save money by paying annually. This is because some insurers charge interest on monthly instalments
- Install extra safety precautions. The safer you make your car, the less of a risk you’ll be perceived as by insurers. By investing in extra safety features, you’ll often reduce the cost of insuring your car every year. As such, these features can often end up paying for themselves!
- Shop around for the best deal. Don’t blindly accept your renewal quote. Use price comparison sites to find the best available deal and switch if you need to.
Frequently asked questions
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